Mortgages
Buying a home is a big moment. You may be purchasing your first place, making a move, or refinancing. For all those moments, we’re here to help you understand your options and choose a mortgage that fits your goals, both today and in the future.
Fixed-Rate Mortgages
30-Year Fixed-Rate Mortgage
A 30-year fixed-rate mortgage offers steady payments and long-term peace of mind. It’s a good choice if you plan to stay put and want predictable monthly payments that make budgeting simpler.
Rates as Low As
6.375%
First-Time Homebuyer Programs
Buying your first home should feel exciting, not overwhelming. Our first-time homebuyer programs offer options that may reduce upfront costs, making it easier to take that next step.
Rates as Low As
6.500%
Jumbo Mortgage
Buying a higher-value home? A jumbo mortgage can help you finance beyond standard limits. We’ll walk you through your options and help you choose terms and payments that fit your long-term plans.
More Loan Options
Every homebuying journey is different. We offer flexible mortgage options for building, renovating, or exploring alternatives. Find a solution that fits your goals, instead of a one-size-fits-all loan.
- Construction Loans
- FHA Loans
- VA Loans
Down-Payment Assistance
Upfront costs don’t have to stand in the way. We’ll help you explore down-payment and closing-cost assistance programs that may be available, so you can take that first step with confidence.
Mortgage Calculator
Know Your Credit Score?
Your credit score helps determine the rate you qualify for. Understanding your score and how to improve it can make a real difference when you’re preparing to buy a home.
Ready To Take The Next Step?
Thinking about what’s next? You can apply online at your own pace or connect with a loan officer to walk through your options and decide what makes sense for you.
Frequently Asked Questions
Disclosures
The Annual Percentage Rate (APR) is accurate as of: June 16, 2026
Fixed rate mortgage
1 Annual Percentage Rates (APRs) are subject to change without notice. APRs are based on a 60 day Rate Lock Agreement for purchase transactions only, a 25% down payment and a 760 or higher credit score. Rates are available for single family primary residence in Rhode Island, Southeastern Massachusetts or Eastern Connecticut. Lower down payments available. Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. Other programs and terms may be available. Other terms and conditions may apply. Monthly payments do not include taxes and insurance. Your payments may be greater.
First time home buyer
2 Annual Percentage Rates (APRs) are subject to change without notice. APRs are based on a 60-day Rate Lock Agreement for purchase transactions only. Rates are available for 1-2 unit primary residence purchases in Rhode Island. Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. Completion of Homebuyer Education course is required to qualify. Other programs and terms may be available. Other terms and conditions may apply. Monthly payments do not include taxes and insurance. Your payments may be greater.
